Research On Credit Risk Evaluation System Of Commercial Banks In China

Along with the accelerating process of economic globalization,the openness of financial market in China is gradually opening,all kinds of business of bank gradually tend to diversification,but also brought great credit risks to banks.How to scientifically and reasonably to the customer credit evaluation for commercial banks,so as to effectively prevent credit risks,has now become an urgent problem of commercial Banks.Customer credit evaluation is the main content of the commercial bank credit risk management,it has a decisive role to operation and development of banks.,this paper takes Juye sub-branch of China Agriculture Bank as an example to build a set of evaluation system of the commercial bank customers,through effective evaluation for customer credit,so as to improve the quality of bank loans and promote the steady development of the bank.The paper takes Juye sub-branch of China Agriculture Bank as an example,Through introducing the relevant theory of credit risk,credit rating and the related theory of hierarchical analysis method,Firstly,we analyze the status quo of the Juye sub-branch customer credit evaluation system and existing problems of the evaluation system and reasons,then we study the limitations of the existing evaluation system of Juye sub-branch.Then,using the hierarchical analysis method,through the primary and filter for the evaluation index,we filter out some of the evaluation index what have little effect to the customer credit evaluation,from five aspects,such as the enterprise quality,credit,performance management,profitability and development prospect to build a set of scientific and reasonable customer credit evaluation system,it can reduce the Juye sub-branch credit risk,take HD limited company as an example,we verify the accuracy and practicability of the evaluation system.Finally,we puts forward some rationalization proposals for the existing problem of Juye sub-branch customer credit evaluation system.